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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,457 | $95,979-73.5% | $74,551-65.9% | $135,380-81.2% |
| Participation rate | 30.4% | 75.7%-45.2pp | 69.1%-38.7pp | 82.6%-52.2pp |
| Annual return | -10.86% | 56.97%-67.8pp | 32.53%-43.4pp | 519.81%-530.7pp |
| Employer contribution / active EE | $978 | $2,716-64.0% | $1,961-50.1% | $4,779-79.5% |
| Participant deferral / active EE | $2,233 | $3,844-41.9% | $3,108-28.1% | $5,609-60.2% |
| Admin fee / account holder | $3,434 | $6,522-47.3% | $5,059-32.1% | $10,828-68.3% |